Comments on: Credit Card Customer Profiling and the Luhn Algorithm http://www.lonegunman.co.uk/2010/01/13/credit-card-customer-profiling-and-the-luhn-algorithm/ Mon, 19 Dec 2011 14:29:41 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Lloyd Morgan http://www.lonegunman.co.uk/2010/01/13/credit-card-customer-profiling-and-the-luhn-algorithm/comment-page-1/#comment-2664 Lloyd Morgan Sun, 17 Jan 2010 21:32:55 +0000 http://www.lonegunman.co.uk/?p=4564#comment-2664 Wow--I had no idea of the extent of the Nectar programme. A quick browse of the <a href="http://en.wikipedia.org/wiki/Nectar_loyalty_card#Current_members" title="Nectar Loyalty Card: Current Members - Wikipedia" rel="nofollow">list of participating companies in the scheme</a> is quick exposing: The AA, Ford, the majority of the <a href="http://en.wikipedia.org/wiki/Home_Retail_Group" title="Home Retail Group - Wikipedia" rel="nofollow">Home Retail Group</a>... the list goes on. Very impressive and, yes, the extent of their consumer database must be very impressive. I was going to draw the obvious comparison to <a href="http://en.wikipedia.org/wiki/Tesco_Clubcard" title="Tesco Clubcard" rel="nofollow">the Tesco Clubcard scheme</a>. The services the Clubcard tracks are equally as diverse. Interestingly, the data for both schemes is actually maintained by separate private companies: <a href="http://www.loyalty.co.uk/" title="Loyalty Management Group" rel="nofollow">Loyalty Management Group</a> and <a href="http://www.dunnhumby.com/" title="dunhumby" rel="nofollow">dunhumby</a> respectively. Wow–I had no idea of the extent of the Nectar programme. A quick browse of the list of participating companies in the scheme is quick exposing: The AA, Ford, the majority of the Home Retail Group… the list goes on. Very impressive and, yes, the extent of their consumer database must be very impressive.

I was going to draw the obvious comparison to the Tesco Clubcard scheme. The services the Clubcard tracks are equally as diverse.

Interestingly, the data for both schemes is actually maintained by separate private companies: Loyalty Management Group and dunhumby respectively.

]]> By: Paul http://www.lonegunman.co.uk/2010/01/13/credit-card-customer-profiling-and-the-luhn-algorithm/comment-page-1/#comment-2641 Paul Thu, 14 Jan 2010 23:38:20 +0000 http://www.lonegunman.co.uk/?p=4564#comment-2641 I know for a fact that the Nectar card people know more about UK citizens than the government. Remember the nectar programme is not just shopping but insurance, loans, utilities etc. All those transactions leave one hell of a big identity footprint so unsuprisingly when you ask for a loan from many participating lenders in the Nectar programme, they ask for your Nectar card to authenticate you, not your bank card or passport. I know for a fact that the Nectar card people know more about UK citizens than the government. Remember the nectar programme is not just shopping but insurance, loans, utilities etc.

All those transactions leave one hell of a big identity footprint so unsuprisingly when you ask for a loan from many participating lenders in the Nectar programme, they ask for your Nectar card to authenticate you, not your bank card or passport.

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